*** REVISED AND UPDATED EDITION *** 'This book is a wise investment' - Financial Times A practical money handbook to help you spend, save and earn better. Do you need help managing your money? Are you keen to invest but not sure how? Or do you need to understand how to make your money work for you? If so, it's time to take back control of your bank balance. In this book you will learn how to: Understand and improve your credit score Take back control of debt Save money each month Negotiate a better salary Build a pension Buy a home Invest and make your money work harder! This essential handbook will help debunk the financial jargon and break the money taboo. Packed with actionable tips and no-nonsense practical advice, You're Not Broke You're Pre-Rich will teach you how to make your savings work for you, how you could invest your money, why you need to understand your pension and why your financial health is just as important as your mental and physical health. This updated and market-leading manual will be your comprehensive guide to financial freedom, giving you the confidence and conviction to regain control of your bank balance and live a happier, richer life.